{"id":3727,"date":"2021-11-12T12:11:48","date_gmt":"2021-11-12T15:11:48","guid":{"rendered":"https:\/\/resumopolitico.blog.br\/?p=3727"},"modified":"2021-11-12T12:13:39","modified_gmt":"2021-11-12T15:13:39","slug":"3727","status":"publish","type":"post","link":"https:\/\/resumopolitico.com.br\/?p=3727","title":{"rendered":"Mais de 58 mil fam\u00edlias de Macei\u00f3 est\u00e3o inadimplentes"},"content":{"rendered":"<p class=\"legba-subheading\"><em><strong>Como os juros altos inibiram a contrata\u00e7\u00e3o de empr\u00e9stimo pessoal, aumentaram as d\u00edvidas via cart\u00e3o de cr\u00e9dito (+1%) e carn\u00ea (+11,4%)<\/strong><\/em><\/p>\n<p>A Pesquisa de Endividamento e Inadimpl\u00eancia do Consumidor (Peic), para Macei\u00f3, demonstra que ap\u00f3s um crescimento m\u00e9dio de 3,4%, de maio a setembro, o volume de pessoas com d\u00edvidas caiu 1,26%, em outubro. Os dados do levantamento realizado em parceria pelo Instituto Fecom\u00e9rcio AL e pela Confedera\u00e7\u00e3o Nacional do Com\u00e9rcio de Bens, Servi\u00e7os e Turismo (CNC) apontam, ainda, que o volume de inadimplentes seguiu esse movimento e recuou de 58.841 (setembro) para 58.477 (outubro) pessoas com d\u00edvidas em atraso. Em termos t\u00e9cnicos, essas pequenas varia\u00e7\u00f5es s\u00e3o consideradas estagna\u00e7\u00e3o.<\/p>\n<p>Um dos fatores para este desempenho \u00e9 a recente alta de juros e a consequente diminui\u00e7\u00e3o de concess\u00f5es de cr\u00e9ditos pessoais, segundo explica Victor Hortencio, assessor econ\u00f4mico da Federa\u00e7\u00e3o do Com\u00e9rcio de Bens, Servi\u00e7os e Turismo do Estado de Alagoas (Fecom\u00e9rcio AL). \u201cComo a Selic \u00e9 a taxa referencial para o estabelecimento dos contratos de cr\u00e9dito, o aumento dos juros de 6,25% para 7,75% ao ano (a.a.), e a tend\u00eancia mais de altas at\u00e9 o final do ano, desestimularam o crescimento de novas contrata\u00e7\u00f5es de cr\u00e9dito, diminuindo ou freando o endividamento\u201d, avalia ao explicar que este \u00e9 um cen\u00e1rio nacional.<\/p>\n<p>Com o recuo, o percentual de endividados \u00e9 de 70,3%. Em termos absolutos, houve uma queda de 2.550 na quantidade de fam\u00edlias com d\u00edvidas, saindo de 216 mil para 213 mil. Apesar disso, o indicador est\u00e1 8,9% mais alto do que o registrado em outubro de 2020. J\u00e1 as subcategorias continuam abaixo dos n\u00edveis vistos no ano passado: o percentual de endividados com contas em atraso era 21,9% e est\u00e1 19,3%; e o volume dos que n\u00e3o ter\u00e3o condi\u00e7\u00f5es de pagar, que chegou a 13%, encontra-se em 7,2%.<\/p>\n<p>O cart\u00e3o de cr\u00e9dito permanece de forma quase absoluta como o principal fator gerador de d\u00edvidas dos consumidores da capital, pois 99% das fam\u00edlias que possuem d\u00edvidas fizeram uso desse recurso para adquirir bens e servi\u00e7os. \u201cEsse percentual est\u00e1 1% ainda maior do que os 98,2% de setembro e mant\u00e9m o maceioense fora da curva quando se refere ao uso do cart\u00e3o de cr\u00e9dito, j\u00e1 que a m\u00e9dia das outras capitais \u00e9 de 84,9%, segundo a CNC\u201d, observa o economista.<\/p>\n<p>Como \u00e9 poss\u00edvel se endividar com mais de um meio financeiro, o carn\u00ea ocupou a segunda posi\u00e7\u00e3o com 25,3% da prefer\u00eancia; um aumento de 11,94% comparado aos 22,6% a setembro, indicando um poss\u00edvel reflexo da alta dos juros, j\u00e1 que os carn\u00eas surgem como alternativa ao cr\u00e9dito pessoal.<\/p>\n<p>De acordo com a pesquisa, mais de 55% das fam\u00edlias que possuem d\u00edvidas se comprometem entre tr\u00eas e seis meses com compras parceladas ou financiamentos e usam 30,3% da sua renda para pagar esses compromissos.<\/p>\n<p><em><strong>Ascom Fecomercio Alagoas<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Como os juros altos inibiram a contrata\u00e7\u00e3o de empr\u00e9stimo pessoal, aumentaram as d\u00edvidas via cart\u00e3o de cr\u00e9dito (+1%) e carn\u00ea (+11,4%) A Pesquisa de Endividamento e Inadimpl\u00eancia do Consumidor (Peic), para Macei\u00f3, demonstra que ap\u00f3s um crescimento m\u00e9dio de 3,4%, de maio a setembro, o volume de pessoas com d\u00edvidas caiu 1,26%, em outubro. Os [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[66],"tags":[],"class_list":["post-3727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alagoas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mais de 58 mil fam\u00edlias de Macei\u00f3 est\u00e3o inadimplentes - Resumo Pol\u00edtico<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/resumopolitico.com.br\/?p=3727\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mais de 58 mil fam\u00edlias de Macei\u00f3 est\u00e3o inadimplentes - Resumo Pol\u00edtico\" \/>\n<meta property=\"og:description\" content=\"Como os juros altos inibiram a contrata\u00e7\u00e3o de empr\u00e9stimo pessoal, aumentaram as d\u00edvidas via cart\u00e3o de cr\u00e9dito (+1%) e carn\u00ea (+11,4%) A Pesquisa de Endividamento e Inadimpl\u00eancia do Consumidor (Peic), para Macei\u00f3, demonstra que ap\u00f3s um crescimento m\u00e9dio de 3,4%, de maio a setembro, o volume de pessoas com d\u00edvidas caiu 1,26%, em outubro. 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